Look what you get with this credit card:

• 9.9% APR typical/variable
• Low rate fixed for 5 years
• No annual fee
• Up to 46 days interest free credit if balance paid in full by due date
• Manage your credit card account online with our secure online banking
• 24/7 UK call centre
• Free 90 day Purchase Protection Insurance† (PDF 0.1Mb)
• Emergency cash and card replacement service
• 24 hour medical and legal assistance overseas
• Up to £100,000 free Travel Accident Insurance† when you use your card to pay for tickets
• This credit card is provided by The Co-operative Bank, which is still the only UK high street bank to have a customer-led Ethical Policy
• We’ll donate 1.25p to our Customers Who Care campaign for every £100 you spend – at no extra cost to you.
• When you take out Credit Card Plus with your credit card you’ll get a fantastic range of benefits that will give you some serious savings and with our choice of benefit bundles you can shape your membership to suit your lifestyle. All for just £8.50 per month. For more information call 0845 604 1033.

GROSS

Gross means the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

NET

NET means the contractual rate of interest payable after the deduction of income tax at the rate specified by law.

AER

AER is the notional rate which illustrates the contractual interest rate as if paid and compounded on an annual basis.

Interest rates on savings accounts are variable.

A.P.R (Annual Percentage Rate)

Must be quoted on all Lending quotes/offers. takes into account compounding of interest - customer reduces principal debt monthly - every half year interest is applied to the principal and customer pays interest on new principal (including the applied interest. APR includes the payment of interest on top of interest.

FLAT RATE

Specific rate per £100 borrowed. does not take into account any compounding interest. eg. Flat Rate = 24% : £24 of interest charged per £100 borrowed.

C.A.R. (Compound Annual Rate)

Application of Credit Interest at half-year which gains further credit interest throughout Year - Credit interest on top of credit interest.

BASE RATE

The rate at which the Bank Of England charge for money loaned to the Money Markets - which may then be "Loaned on" to Banks at a slightly higher rate. The Government can manipulate this rate, via The Bank of England in order to control inflation and implement other monetary strategies.

EAR

EAR is the equivalent annual rate.

Credit facilities provided by The Co-operative Bank Plc, are subject to status and not available to non-UK residents or anyone under 18 years of age. Clear applicants must be aged 21 or over and have annual income of £10,000 or more and already hold a credit card. Gold applicants must be aged 21 or over and have annual income of £15,000 or more and already hold a credit card. Platinum applicants must be aged 25 or over and have annual income of £25,000 or more and already hold a credit card.The Bank reserves the right to decline any application or offer a card product that differs to those advertised. Telephone calls may be monitored and/or recorded for security and/or training purposes.

PRIVACY

The privacy of Co-operative Bank customers is very important to us, and how we deal with personal information is outlined in our terms and conditions. We hope the way in which we gather and use your personal information addresses and respects any concerns you may have:

We will only use the personal information we gather:

• in the normal course of our business to provide the products and services you have requested
• to identify you when you contact us
• to determine if we can offer you a better service or more relevant products
• to send you e-mail updates of service changes which are important to you or which we feel may be of interest to you
• for credit assessment, to review the conduct of and to administer/operate your accounts
• for statistical analysis, including automated techniques (eg behaviour and credit scoring) and to monitor and analyse our business

We will disclose your personal information only to:

• our agents and sub-contractors to administer and operate your account or to conduct our business
• to our affinities' partner(s) if you have an affinity product(s)
• the insurer of any payment or card protection cover which you take out in connection with your account
• our licensed credit reference agency who may keep a record of any search we make and your personal information may be shared with and used by other lenders in assessing applications from you or members of your household
• any person to whom we transfer our rights or obligations under this agreement
• for debt tracing or fraud prevention
• to help desk advisers, minicom/typetalk operators or their equivalent
• if required or compelled to do so by law

The Co-operative Bank is authorised and regulated by the Financial Services Authority (No. 121885), subscribes to the Banking Code, is a member of the Financial Ombudsman Service and is licensed by the Office of Fair Trading (No. 006110).

Credit card payment protection plan
About payment protection cover

Credit card payment protection plan from The Co-operative Bank is a simple way to help meet your credit card repayments. It could cover your credit card repayments if you have an accident, become ill or suddenly find yourself unemployed through no fault of your own.

To be eligible for this cover, provided by Aviva, you must be:-

• Aged 18 or over and under 65
• A UK resident excluding the Channel Islands and the Isle of Man
• Working 16 hours or more per week in permanent paid employment*
• The principal card holder

Benefits include:

The cost of your PPI is 76p per £100 of your monthly statement balance. For example, if you have an outstanding balance of £1,000 in any one month, the amount charged to your account will be £7.60 in that month. Should your borrowing remain at this level for 12 months, then the total debited to your credit card account for PPI would be £91.20 plus interest at your normal rate.

Some limitations and exclusions exist, the most significant of which are listed below. These are not all of the exclusions and limitations, and it is very important that you read the Policy Documentation carefully, as there may be exclusions which limit your ability to claim under the policy:

You will need Adobe Acrobat Reader to read this. Download this here.

You have not received any advice or recommendation on this product but have been provided with information in order to make an informed decision. It is important that you read the Policy Documentation in order to check whether the policy is suitable for your needs within the statutory 30 day cancellation period.

*Paid employment is defined as paid work of at least 16 hours per week. This includes self-employed work and statutory maternity and parental leave but it does not include temporary work. Examples of temporary work include that done on a casual basis or through a recruitment agency.